Pen-Mar Regional Assc of Realtors (EIN 526064859) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1941

Legal Domicile

Phone

3017974480

Tax Period

2024-01-01 to 2024-12-31

Pen-Mar Regional Assc of Realtors, founded in 1941, is a small nonprofit that reported $419K in total revenue in fiscal year 2024. Expenses of $357K left a modest 15% surplus.

Mission

Educate and support persons in the real estate profession

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $354,070

Investment Income $64,899

Other Revenue $6

TOTAL REVENUE $418,975

Expense Breakdown

Grants Paid $0

Salaries & Benefits $203,851

Fundraising Expenses $0

Program Expenses $112,876

Other Expenses $152,880

TOTAL EXPENSES $356,731

Year-over-Year Comparison

	2024	2023	Change
Revenue	$418,975	$422,255	0.0%
Expenses	$356,731	$334,320	+0.1%
Net Income	$62,244	$87,935	-0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael Draper	Director	40.00	Director	$0	$0	$0
Shelley Layton	Past President	0.00	Director	$0	$0	$0
Toby Wantz	Director	0.00	Director	$0	$0	$0
Kimberly Heck	Director	0.00	Director	$0	$0	$0
Michelle Rebok	Director	0.00	Director	$0	$0	$0
Westry Hart	Director	0.00	Director	$0	$0	$0
Kim Lewis	2nd VP	0.00	Officer	$0	$0	$0
Heather Barrick	Secretary	0.00	Officer	$0	$0	$0
Karen Ebeid	President-Elect	0.00	Officer	$0	$0	$0
Julie Fritsch	President	0.00	Officer	$0	$0	$0
Shelby Diehl	Treasurer	0.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$418,975	$356,731	$2,137,142	$62,244
2023	$422,255	$334,320	$2,055,279	$87,935
2022	$521,729	$346,000	$2,080,426	$175,729
2021	$433,976	$414,426	$1,877,795	$19,550
2020	$361,921	$247,063	$1,800,441	$114,858
2019	$384,835	$274,910	$1,693,050	$109,925
2018	$348,010	$253,066	$1,649,378	$94,944

Pen-Mar Regional Assc of Realtors